Quote Quoting johnhips
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Last question. I know I have about 15 days left, do I need to submit my summon response now or talk first if I can settle this before my 30 days window.

Make sure you get your Answer filed before the time is up regardless of what stage the settlement negotiations are in.

It's a procedural thing and has nothing to do with what you do outside of court and failure to file could result in a default judgment against you.

If you make a deal, get it in writing, and make it contingent that the lawsuit be dismissed, and make sure you get the motion or stipulation for dismissal in your hand when you pay.